I've gotten slightly better online savings rates elsewhere, and I bank a lot of cash so a little % difference is meaningful over time, but I like the ING DIRECT online experience, and their customer service is very good. Super helpful and freindly people answer the phones when you need live-person telephone support. Also, they offer plenty of good short-term CD rates if you ever feel you want to boost the savings rate percentages a bit more.

Up until today in the four months I'd been with ING I thought it was a pretty cool bank what with their cool on line banking but I always thought they overdid things a little with security-it's as if every little thing you do, they call or email you to see if you intended to do it. I put up with it as I didn't think it was that big a deal. But then today it was as if Dr. Jeckyl took that final all important dose of whatever he took and completed the final step in the process of becoming a monster. Wait till you hear this...I get a call from their security people asking me all kinds of questions about why I've link up some of my bank accounts to one another. But it's not like I'm up to no good cause I'm just transfering really small amounts. So with no notice these b.....ds close my account and now I even can't even access my own money. Then these jerks tell me I have to wait 30 to 60 days to get my 250 dollars. Unbelievable! It's like a nightmare. And you wouldn't believe the arrogance of the woman in security when she calls me asking me all these questions about what I'm up to, as if I'm masterminding some great money laundering scheme or something. If you saw the piddling amounts I transfer you woldn't believe it. The bottom line is these ah---s in security at ING are just trying to impress their bosses in showing them how perceptive they were in "catching" someone like me in their tracks. The whole thing is unreal! Anyway stay away from ING Direct at all cost.